Mechfi
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Mechanical Financial provides fee-based advisory services to individuals, trusts, estates, charitable organizations, corporations and employer-sponsored retirement plans. The firm offers discretionary investment management, financial planning, estate/legacy consulting and retirement plan consulting, and provides advice on variable annuities and education savings vehicles.
The firm’s investment process is grounded in Modern Portfolio Theory and typically uses ETFs, mutual funds, REITs and selected individual equities and fixed income to build diversified portfolios aligned with each client’s risk tolerance and objectives. Mechanical Financial monitors accounts on an ongoing basis, delivers periodic performance reporting, and uses third‑party platforms for consolidated account views and financial‑planning analysis.
Distinctive elements in the brochure include ongoing retirement‑plan consulting—serving plan sponsors and operating in a 3(21) co‑fiduciary role—and a documented program of client education: periodic newsletters and complimentary seminars/workshops covering topics such as estate/legacy planning, special‑needs planning and investing concepts. These institutional consulting services and regular educational outreach are less common among independent advisers of similar size.
Client services
Expertise
Fee options
Flat fees for retirement plan consulting services: $1,500-$2,000 for plans up to $3,000,000; $2,001-$3,000 for $3,000,001-$5,000,000; $3,001-$5,000 for $5,000,001-$10,000,000; negotiable above $10,000,000.
$0 - $30,000: $10 per month ($120 per year minimum fee) $30,001 - $100,000: 1.00% annually (100 basis points) $100,001 - $250,000: 0.85% annually (85 basis points) $250,001 - $500,000: 0.70% annually (70 basis points) $500,001 - $1,000,000: 0.60% annually (60 basis points) $1,000,001+: Negotiable
Minimum fee: Minimum investment management fee of $120 per year; minimum financial planning fee of $300 per year. Fee-only: Flat fee for retirement plan consulting services ranging from $1,500 to $5,000 annually depending on plan size; financial planning fees as asset-based schedule noted.
Main office
Sacramento CA
Advisors at this office
1
Most active in
California
Also doing business as
Mechanical Financial · Mechanical Financial, LLC · Mechfi
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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